Hi ODELL 🤟🏴‍☠️😉 Agreed skepticism is healthy, especially when dealing with custodians in a system designed for self-custody. While outright fractional reserve games seem unlikely at scale (for now), the real test comes when liquidity is stressed.

Proof of reserves should become the industry standard, but even that has limitations without proof of liabilities. The ultimate solution? More individuals and entities holding their own keys. The free market will force transparency or expose those who resist it.